Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$20,814Not just lender fees.
Before credits & paid funds$20,814The complete starting cash picture.
Estimated remaining funds due at closing
$20,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$95,496.03
Your down payment$0.00
Closing costs + prepaids$20,814.09
Total buyer cash needed$20,814.09
Remaining funds due$20,814.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$6,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,827.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$527.00
Initial HOA (3 months)$95.01
Prepaid interest, first (30 days)$4,196.60
Fees + prepaids$20,814.09
Your down payment is the seller’s equity. You take over the $765,496 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $20,814.09 is due at closing. Not a Closing Disclosure.